Frequently Asked Insurance Questions

• What insurance do you accept?
• I have insurance, so why is there an expected out-of-pocket expense for my recommended treatment?
• How do I know what my dental insurance benefits are?
• What questions should I ask my insurance company?
• My dental insurance has changed; what should I do?
• I saw a different dentist this year. How do I know how much dental benefit I have left this year?

What insurance do you accept?

Chances are, we see many patients with your type of insurance. We are unrestricted providers for most dental insurance plans and are considered in-network for Delta Premier and most Health Partners Open-Access plans. We are happy to submit claims on your behalf if your carrier allows us to do so.

I have insurance, so why is there an expected out-of-pocket expense for my recommended treatment?

Dental insurance is meant to help offset the cost of treatment, not pay for it entirely. Most dental insurance covers up to 100% of preventative visits, up to 80% of restorative, and up to 50% of major work. We are happy to check your dental benefits for you. When treatment is recommended by your dentist, we make every effort to calculate your out-of-pocket costs as closely as possible. The final decision on coverage always rests with your insurance provider. Contact your employer’s human resources department or your insurance company for more details.

How do I know what my dental insurance benefits are?

We check benefits for our patients when there is a question regarding specific treatment. Ultimately, it is your responsibility to understand your benefits. Check with your employer’s human resources department or phone your insurance company to get a breakdown of benefits.

What questions should I ask my insurance company?

Your insurance company can provide you with a breakdown of your dental benefits. Five key areas to know your benefit level are:

• Plan Year: Does your insurance follow a calendar year? If not, what month and day does your plan year start and end?
• Yearly Maximum: What is your annual maximum benefit dollar amount?
• Waiting Periods: Are there any waiting periods for benefits to begin?
• Frequencies: How often does your plan cover cleanings, exams, films, fluoride, and sealants?
• Percent Coverage: What percent does your insurance cover for:
  • Preventative/Diagnostic?
  • Basic Restorative?
  • Major Restorative and Prosthedontics?

My dental insurance has changed; what should I do?

Most employers distribute new insurance cards occasionally without changing the plan. However, if your plan changes or you have a new insurance carrier, call us at 763-561-2273 and let us know about these changes right away. We can update your chart and check your benefits before your next appointment. This will allow us to file insurance claims on your behalf and present more accurate out-of-pocket estimates for proposed treatment.

I saw a different dentist this year. How do I know how much dental benefit I have left this year?

Call your insurance company and ask them. Be sure to let our business staff know about any dental appointments you have had at another office during the benefit year. This will help to ensure you receive your full benefit at upcoming appointments.